Specialty Coverage For Horizontal Construction Contractors
Our SitePrep GL program is designed specifically for horizontal construction contractors focused on site preparation, grading, excavation, and land improvement. Unlike standard general liability policies, SitePrep provides enhanced coverages that address the unique exposures faced by grading and excavation contractors, including protections for heavy equipment use, site safety, and specialized project risks. Backed by Origin Specialty’s deep industry expertise and a carrier rated A- X (Excellent) by A.M. Best, SitePrep gives contractors the confidence that their operations are valued correctly and their insurance is built to meet the realities of their work. With comprehensive risk management support and flexible coverage options, SitePrep helps contractors safeguard their business and concentrate on what matters most—building strong foundations for the future.
SitePrep Insurance Coverages
Our policies are crafted to address the unique exposures of grading and excavation work, with options that may include:
-
General Liability – Premises and Operations (limits up to $2M per occurrence, $4M general aggregate, $4M products-completed operations aggregate)
-
Blanket additional insured coverage (including completed operations)
-
Drone liability coverage (based on underwriting information)
-
Per project aggregate coverage with no cap
-
Waiver of subrogation coverage
-
Employee benefits liability coverage
-
No residential limitations/exclusions
-
No XCU exclusion
-
No earth movement exclusion
-
No subsidence exclusion
-
No PFAS exclusion
Eligible SitePrep Insurance Risks
SitePrep is available to contractors across a wide range of site preparation and related services, including:
-
Excavation or Site Preparation Contractors
-
Land Improvement or Grading of Land Contractors
-
Construction Debris Removal
-
Driveway, Parking Area, or Sidewalk Paving
-
Drilling – Other Than Water
-
Horizontal Drilling – Conduit Construction
-
Irrigation or Drainage System Construction
-
Septic Tank Installation
SitePrep offers coverage for businesses of all sizes—from small independent contractors to large multi-state operations.
Submission Requirements
To get started, submit the following:
- Completed and signed ACORD applications
- Completed and signed SitePrep Supplemental
- FEIN Number
- Five years of currently valued, hard copy loss runs
Contact Us
MaryBeth Schram
VP, Head of Construction
📧 mschram@origin-specialty.com
With 20+ years of construction sector experience, MaryBeth leads the SitePrep team with deep technical expertise and strong broker relationships.
